"Mounjaro savings card" is searched as if it were one coupon. Lilly's own terms describe two tiers of the Mounjaro Single-Dose Pen Savings Card — one for people whose commercial plan covers Mounjaro and one for people whose plan does not — each with its own price, monthly cap, yearly cap and fill limit. This page reads those terms as documents, quoted from Lilly's published conditions on mounjaro.lilly.com and read on 2 October 2026, and works out what the caps mean in dollars.
Every Mounjaro price Lilly publishes, and the list price its caps imply, are on Mounjaro cost. This page is about the card's terms.
The two tiers at a glance
| Plan covers Mounjaro | Plan does not cover Mounjaro | |
|---|---|---|
| Patient pays | "As little as $25" per 1-, 2- or 3-month fill | "As low as $499" per 1-month fill |
| Monthly savings cap | $150 (1-month) · $300 (2-month) · $450 (3-month) | $647 |
| Yearly savings cap | $1,950 | $8,411 |
| Fills per calendar year | 13 | 13 |
| A "month" is | 28 days, up to 4 pens | 28 days, up to 4 pens |
| Expires | 12/31/2026 | 12/31/2026 |
Both yearly caps are exactly thirteen monthly caps: 13 × $150 = $1,950 and 13 × $647 = $8,411. Thirteen 28-day fills make 364 days, so a person filling every four weeks reaches each yearly ceiling on the last fill of the year, not before.
Who can use either tier, per the eligibility list: a Mounjaro single-dose pen prescription "for an approved use consistent with FDA approved product labeling"; enrolment in a commercial drug plan; no enrolment in any government-funded programme — "Medicaid, Medicare, Medicare Part D, Medicare Advantage, Medigap, DoD, VA, TRICARE®/CHAMPUS, or any state prescription drug assistance program"; US or Puerto Rico residence; age 18 or over. The card covers six single-dose pen NDCs and states that "other methods of administration are not eligible."
The cap arithmetic: when $25 stops being $25
The card pays the part of the copay above $25, up to the cap. So on a 1-month fill the patient pays $25 when the plan copay is $175 or less, and the copay minus $150 when it is higher.
| Plan copay for a 1-month fill | Card pays | Patient pays |
|---|---|---|
| $100 | $75 | $25 |
| $175 | $150 | $25 |
| $200 | $150 | $50 |
| $300 | $150 | $150 |
| $500 (deductible phase or high coinsurance) | $150 | $350 |
glp1ledger arithmetic from Lilly's published caps; it assumes the pharmacy applies the card to the whole plan copay.
The 3-month fill: the part of the card most people miss
Lilly's page leads with it: "pay as little as $25 in total for the 3-month prescription", defined as 84 days and up to 12 pens. The 3-month cap is $450, so the $25 holds up to a 3-month copay of $475.
If each fill stays inside its cap, the counter cost of a year differs sharply by fill length:
| Fill length | Patient pays per fill | Fills in 364 days | Counter cost for 364 days |
|---|---|---|---|
| 1 month (28 days) | $25 | 13 | $325 |
| 3 months (84 days) | $25 | 4⅓ | ≈ $108 |
glp1ledger arithmetic. In practice a calendar year rarely lines up with 84-day fills, and the $1,950 yearly cap still applies.
Lilly's page is candid that the 3-month fill "may or may not be possible depending on when your next refill is due or what your insurance or your pharmacy allows", and that "some pharmacies may not have a full 3-month supply on hand." A plan that limits Mounjaro to 28-day fills makes the second row unavailable. A 3-month fill is also only possible once the prescription is stable at one strength.
The uncovered tier: $499
If a commercial plan excludes Mounjaro, the card sets the 28-day price at $499, with up to $647 of savings a month. That pair also gives Mounjaro's underlying price: $499 + $647 = $1,146 for 28 days — worked through on Mounjaro cost. This tier also requires commercial insurance; it is not a cash price for the uninsured.
Mounjaro's card next to Zepbound's
Mounjaro and Zepbound are the same molecule, tirzepatide, in the same strengths (what separates them). Their cards are not the same:
| Mounjaro (covered) | Zepbound (covered single-dose pen) | |
|---|---|---|
| Monthly cap | $150 | $100 |
| Patient still pays $25 up to a copay of | $175 | $125 |
| Yearly cap | $1,950 | $1,300 |
| Fills per year | 13 | 13 |
| Uncovered price | $499 | $499 |
The Mounjaro card is 50% more generous at the cap. The difference matters only above a $125 copay; below it both cards reach $25. The three Zepbound cards, including the KwikPen card, are read on the three Zepbound cards' terms.
The conditions in the small print
- An approved use. The card requires a prescription "for an approved use consistent with FDA approved product labeling". Mounjaro's label (effective 2026-08-27) approves it to improve glycemic control in type 2 diabetes in adults and children 10 and over, and to reduce the risk of major cardiovascular events in adults with type 2 diabetes at high risk. Weight management is not on the label. The card's age floor of 18 also leaves out the label's 10-to-17 age group.
- Alternate funding programmes. If a plan makes coverage of Mounjaro depend on applying to the card or to an "alternate funding vendor", the member is "not eligible for and … prohibited from using" the card. Lilly may also cut the savings if a plan "does not apply Card payments to satisfy your co-payment, deductible, or coinsurance".
- No stacking. The savings "cannot be combined or utilized with any other program, discount, discount card, cash discount card, coupon" for Mounjaro — so a pharmacy discount card and the Lilly card are either/or.
- No reimbursement claims. The savings cannot be claimed back from insurance or from an HSA or FSA, and the patient may have to tell the insurer the card was used.
- Two state carve-outs. Not valid for Massachusetts residents "if an AB rated generic equivalent is available", or California residents "if an FDA-approved therapeutic equivalent is available". No generic tirzepatide was approved when this page was written.
- Activation and a HIPAA authorisation are required, and Lilly can end, change or revoke the card "at any time without notice and for any reason".
Medicare and other government programmes
The card is closed to anyone on a government programme, and the terms require a person who later joins one to stop using it. Lilly's Mounjaro page points Medicare patients to the Medicare Prescription Payment Plan, which spreads pharmacy costs across the year rather than reducing them. Why manufacturer cards shut out government-programme members is explained on cheapest GLP-1 without insurance, and what plans require before they cover these drugs on GLP-1 prior authorization.
What the terms do not say
- Anything about 2027. Both tiers "expire and savings end on 12/31/2026".
- A price for people with no insurance at all. Lilly's savings page sends people who are not eligible to its pricing page, which refused an automated request when this page was prepared, so no uninsured figure is given here.
- Whether a given plan covers Mounjaro. That sits in the plan's formulary — see GLP-1 insurance coverage.
This page reports Lilly's published terms. It is not advice on which card or which medicine to use; eligibility is decided by Lilly and the pharmacy at each fill, and treatment decisions belong with the prescriber.
Sources
- Eli Lilly and Company, "Savings & Coverage | Mounjaro® (tirzepatide)", including the Card Eligibility, the Card Terms and Conditions for both tiers, the Additional Terms and Conditions and the 3-month-fill explanation, mounjaro.lilly.com/savings-coverage, read 2 October 2026.
- Mounjaro prescribing information (Eli Lilly and Company), DailyMed set ID d2d7da5d-ad07-4228-955f-cf7e355c8cc0, effective 2026-08-27 — Indications and Usage.
- Eli Lilly and Company, Zepbound savings terms, zepbound.lilly.com/savings, as read for this site on 30 September 2026 (comparison column).